Can you negotiate with creditors to change the reporting of settled accounts?

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Yes, you can negotiate with anyone about anything.

Whether or not the creditors will comply with your wishes, especially considering that the accounts are long since "settled" is a completely different matter.

If you are considered paying your settled debts in full for purposes of your conscience or to honor the receiving of future wealth, then good for you! If you are considering making these payments in order to boost your credit scores, then I suggest looking into other factors that may be having a larger impact on your scores.

These factors included ANYTHING that has taken place on your accounts within the past 12 months, (history accounts for 35% of your score), The amount of credit available to you (open revolving accounts), how long you have had credit, and the number of inquiries on your credit report.

First answer by Anonymous. Last edit by ID0000000000. Question popularity: 261 [recommend question]

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